RHB Personal Financing-i Civil Sector

A fast approval government servant financing repayment through salary deduction. What's more - Takaful protection in the event of death and total permanent disability.

    • Financing up to RM200k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for RHB Personal Financing-i Civil Sector

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Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM2000 - RM20000024 to 120 monthsmin. RM120004.5% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 4.5% p.a., depending on financing amount and period
Processing Fee
RM31.80, for Brokerage Fee
Stamp Duty
Early Termination Fee
Late Payment Charge
1% from current outstanding amount

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Maximum age
58 years old
Who can Apply
  • Malaysians
  • Government employee

Frequently Asked Questions about RHB Personal Financing-i Civil Sector

Things you might want to know

An ideal financing plan for government employees looking for extra cash, with low minimum salary requirements at RM1,000 a month and auto-deductions via Biro Angakasa - so you’ll always meet your repayments without any hassle or over-spending.

How much can I borrow from RHB Bank?

RHB Personal Financing-i for Civil Sector will let you borrow a minimum of RM2000 up to RM150,000. You can choose any repayment period between 2 years to 10 years, as long as can afford the monthly repayments.

What fees should I be aware of? Do I have to pay any GST?

You’ll have to pay a brokerage charge of RM31.80 with GST included to get your financing approved and process. In addition, you’re required to pay RM10 for stamp duty fees.

If you’re late on your monthly payments, you’ll be charged 1% of the outstanding balance by RHB, as well as GST charges.

What do need to apply for this RHB Islamic financing?

To approve your loan RHB Islamic will need you to fill up an application form and submit your supporting documents. Here’s what you’ll need:

  • 2 copies of your MyKad front and back
  • Authorisation Letter for Salary Deductions
  • Original and 3 copies of latest 3 months’ salary slips
  • 2 copies of Confirmation Letter from employer
  • 2 copies of Redemption Letter (if applicable)

How will I get the cash once I have been approved?

Once RHB Islamic has reviewed your application and approved your financing, you’ll need to accept the cash and terms of the agreement. Your financing will then be transferred to a Savings Account or Current Account of your choice.

How much do I have to pay back each month?

RHB Islamic Bank will provide you with a repayment schedule based on the amount that you borrowed and chosen tenure. Be sure to meet your repayments on time each month to avoid being charged any late payment fees.

What happens if I choose to settle my financing early?

There will be no exit fees charged by RHB if you decide to terminate this Islamic financing plan ahead of schedule. Ibra’ rebates will be awarded to you based on the profits calculation and any applicable early settlement charges.

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